Capital Home Loans Conveyancing Panel Information

The information on this page is designed to keep solicitors and licensed conveyancers abreast of latest requirements changes by Capital Home Loans and to assist in remaining on the Capital Home Loans Solicitor Panel.

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How does my firm apply to be on the Capital Home Loans Solicitor Panel?

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How can my firm be reinstated onto the Capital Home Loans Solicitor Panel?

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Capital Home Loans Conveyancing Panel: Recently Asked Questions

Are the Council of Licensed Conveyancers taking any action to ensure that licensed conveyancers remain on lender conveyancing panels?

The Council of Licensed Conveyancers has begun discussions with banks and their representative bodies to see whether and how the risks that lenders wish to mitigate could be addressed through the regulatory framework rather than via ad hoc arrangements that can differ from lender to lender. We expect that that the CLC have been in touch with lenders such as Capital Home Loans in recent years.

Can you give me an example of some of the reports available via COMPLETIONmonitor to support my appeal to be reinstated on the Capital Home Loans solicitor panel?

There are many reports available, five of which are as follows:

Current and historic missed priority dates
Average time frame to register charges at the Land Registry
Average mortgage advance
Average time frame to send deeds to the lender (calculated from completion date or title registration)
The percentage of the firm’s business which is conveyancing (broken down into sale/purchase and remortgage)

I noticed the following question on my PI renewal form this year ‘Has your Firm been asked by a lender to agree to more onerous terms and conditions than provided for in the UK Finance Lenders’ Handbook?’ My firm is on the majority of approved panels including the Capital Home Loans conveyancing panel. We have Terms and Conditions of appointment which we have to follow. Am I supposed to mention these Terms ?

The key here is the caveat ‘more onerous’. You have to try and take an objective view as to whether the Terms relating to the Capital Home Loans conveyancing appointment (or other terms for other lenders) are ‘more onerous’ than the UK Finance Lenders’ Handbook Conditions. Depending on the Terms you may need to provide details on your renewal form. If you are in any doubt please call your broker to discuss before completing the answer.

I have been a qualified solicitor for approximately 25 years without a single claim against me and have been refused acceptance on the Capital Home Loans conveyancing panel with no explanation. Am I not entitled to a reason?

For most lenders participation on the lender's panel of conveyancers is at the absolute discretion of the the lender. Many lenders reserve the right to accept or reject any application without giving any reason. You should check your original application to join the Capital Home Loans conveyancing panel to see if you are entitled to a reason.

My post-completion clerk has resigned on short notice. I urgently need to prioritise making sure that charges are registered. That said, how quickly do I need to send deeds to Capital Home Loans once the charge is registered before my firm runs the risk of being suspended off the conveyancing panel for Capital Home Loans?

Capital Home Loans will likely expect the deeds to be sent to them within 10 days of you receiving the TID (unless their specific P2 requirements specifically state that they you are not to send them anything). Most COTs refer to complying with the Certificate of Title referred to in IB (3.7) of the SRA Code of Conduct 2011, published by the Law Society which states that you ‘will despatch to you such deeds and documents relating to the Property as you require with a list of them in the form prescribed by you within ten working days of receipt by us of the title information document from the Land Registry’ As to whether the lender will suspend your panel status this very much varies according to the lender’s own internal policies The more cases you have the more risk you face. Some lenders may take action if there records show that the deeds are outstanding for more than 3 matters. The fact is that if you keep within the time frame then you will have more chance of remaining on the Capital Home Loans conveyancing panel.

Lockton’s PI Insurance renewal form questions if my practice had been removed off any lender panels in the last 12 months. I recently discovered that the firm is no longer on the Capital Home Loans solicitor panel? Is this likely to effect my insurance?

The best placed professionals to answer this question are your insurance brokers. The chances are that on the basis that you have not been removed for fraud or negligence reasons that there will be little or no impact. The main reason why a firm would be removed off of a lender panel is due to low volume of conveyancing cases although there may be a number of criteria for Capital Home Loans solicitor panel membership. Please remember that it is always important that you complete your insurance forms accurately.

Our practice is on the Capital Home Loans conveyancing panel and due to complete a purchase within the next week. I dont have a Mortgage Deed for the client to sign. Who do I contact at Capital Home Loans to obtain duplicate documents?

You need to get in touch with Capital Home Loans to obtain standard documents. The The Council of Mortgage Lenders Handbook includes a specific section for banks to set out who to contact to obtain standard documents. Capital Home Loans in their Part 2’s state:

It helps to quote your Capital Home Loans conveyancing panel number.

Find a Lawyer on the Capital Home Loans Solicitor Panel

Average number of days to register title including a charge in favour of Capital Home Loans

This information relates to purchase only and not remortgages.

Year	Days*
2026	[no data]
2025	[no data]
2024	[no data]
2023	[no data]
2022	[no data]
2021	[no data]

* Data aggregated from sources including COMPLETIONmonitor

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